Turning 65

In this day and age, 65 is the new 55, maybe even the new 50. One thing hasn’t changed: At 65 you can still become eligible for Medicare.

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With Medicare, you can get good, low-cost medical care. Medicare can seem like a puzzle at first. The good news is, the puzzle has just four parts: A, B, C, and D.

QUICK FACTS

You can qualify for Medicare if you are:

• a U.S. citizen
• a legal resident who has lived in the U.S. for at least five years, including the five years before you enroll.

You enroll in a Medicare plan for yourself only. Each person in a family must enroll on their own

ORIGINAL MEDICARE (Parts A and B)

Medicare Part A and Medicare Part B are “original” Medicare. They cover hospital stays and doctor visits.

• Part A is free for most people
• Most people pay a premium for Part B

Part A is hospital insurance, and gives you things like:

• Inpatient care: hospital room or skilled nursing facility (SNF) room
• Meals while you’re under hospital or SNF care
• Equipment costs
• Nurse care
• Surgery, other procedures

Note: You only have to pay for Part A if and when you use it.

Part B is medical insurance, and gives you:

• Outpatient care (such as clinic visits, treatments)
• Doctor visits
• Medical devices (sleep apnea machines, wheelchairs, etc.)
• Ambulance/ER
• Preventive care (like Covid boosters, flu shots

Note: You must enroll in Part B when you are first eligible for Part A. If you sign up for Part B later than Part A, you might pay a penalty.

EXPLORE PLANS

MEDICARE ADVANTAGE (Part C)

Medicare Part C is private insurance. It covers everything included in Part A and Part B, and more, like:

• Prescription drugs
• Vision, dental, and hearing care

We offer several plans. You can choose one that is right for you.

EXPLORE PLANS

PRESCRIPTION DRUGS (Part D)

Part D is just for prescription drugs. You can sign up for Part A and B and use Part D to get your medicines.
Note: Each Part D plan has its own list of approved drugs. Make sure you choose a Part D plan that has the drugs you need.

MEDICARE SUPPLEMENT PLANS

Medicare Supplement plans can cover costs that Parts A and B do not cover. They are for people who want to cover these costs without joining a Part C plan.

Joining a Medicare plan might seem hard. But we are here to help you at every step. Call us any day of the week at 855.591.2941 or email us at [email protected].